Employee Benefits


The City of Moorhead provides a comprehensive benefits package to its full-time employees. The City of Moorhead provides employer-paid contributions toward health insurance, basic life insurance, and public retirement program. Additional elective benefits are also available to employees.

Benefits Insurance 

The City provides $909.00 per month for single plans, $1,358.50 per month for single +1 plans and $1,733.50 per month for family plans to be used toward health insurance premiums. If an employee does not use the entire amount provided by the City on insurance, the remaining amount may be received as taxable income (potentially an extra $4,064 additional taxable annual income). This money can also be used for dental, vision or other supplemental insurances or the balance can also be contributed to a Health Savings Account, if eligible.

Health Insurance

  • Carrier: Medica
  • Employer contribution dependent on coverage option
  • If the premium cost is less than the employer contribution (amounts shown in parenthesis), the City contributes the difference to you and can be received either as a pre-tax contribution to your Health Savings Account (HSA), received in cash as taxable wages or used toward supplemental insurance premiums.

Employee Cost PER MONTH
Single Single +1 Family
Rx $1500  (116.88)   340.36   481.74 
HDHP $1600
 292.92  419.88
HDHP $3200
 108.12  178.92
HDHP $6350
(135.38) (138.60)


Basic Life Insurance

  • Carrier: Sun Life
  • Fully paid by employer
  • Coverage Options: $15,000, $30,000 or $50,000 (depending on position)


Paid Time Off Benefits and Years of Service

All leave benefits are based on labor union contract and/or City policy. Days below are based on the typical benefit provided to a new employee

  • Holidays (11/year)
  • Vacation (10/year)
  • Sick (12/year)
  • Vacation accruals increase at designated milestones of employment
  • Leave of Absence - Military, Funeral, Jury Duty


Retirement Program

  • Carrier: Public Employees Retirement Association of Minnesota (PERA)
  • About PERA: Membership is automatic for non-elected public employees who meet position eligibility requirements set by Minnesota Statute. Contributions are based on gross salary.

Plan Options Membership Employee Contribution Employer Contribution
Coordinated Plan Non-Elected Public Employees 6.50% 7.50%
Police & Fire Plan Law Enforcement & Firefighter Employees 11.8% 17.7%


Continuing Education and Tuition Assistance

The City provides initial and on-going training to its team members on a regular basis and encourages personal and professional growth.

  • On-site training opportunities throughout the year are offered.
  • Departments also budget for additional training opportunities as needed to ensure our employees have the tools to do their jobs.
  • Tuition Assistance is available when approved in the annual City budget.


Flexibility and Telework

  • The City may offer flexible work schedules and flexible location options for certain positions.  Not all positions may be eligible.


Other Benefits

  • Paid protective equipment and apparel for designated position 
  • Workers Compensation - Benefits provided under Minnesota State Workers' Compensation laws
  • Police Officer Recruitment Bonus Program
  • Employee Assistance Program
    • Carrier: The Village Business Institute


Optional Benefits

The following benefits are offered at a lower group rate and are optional benefits that the employee may enroll in and is responsible for the premium.


Dental Insurance

  • Carrier: Metlife

Employee Cost per month
EMPLOYEE +1 Family
Dental Plan


69.18 122.96


Vision Insurance

  • Carrier: Superior Vision by Metlife

Employee Cost EMPLOYEE
EMPLOYEE +Child(ren) Family
Vision Plan


18.52 20.86 29.20


Accident Insurance

  • Carrier: Cigna

 Employee Cost Per Month
Employee +spouse
Employee +Child(ren)
 Low Plan
 Medium Plan
16.94  28.74


Pre-Tax Benefit Programs

Health Savings Account (HSA)

  • Carrier: WEX
  • Purpose: Used for out-of-pocket medical expenses on a pre-tax basis
  • Requirements: Must be paired with the High Deductible Health Plan

Flexible Spending Account (FSA)

  • Carrier: WEX
  • Purpose: Used to pay for medical and/or dependent care expenses


Deferred Compensation

  • Carriers: Nationwide and MissionSquare Retirement
  • Plan Type: 457(b) and ROTH IRA Programs
  • About Deferred Compensation: This retirement program is available to employees of state and local governments. It allows participants to save for retirement by deferring a portion of their income on either a pre-tax or post-tax basis.


Critical Illness Insurance 

  • Carrier: Cigna
  • Rates based on age


Long Term Disability Insurance

  • Carrier: The Hartford
  • Rates based on age


Short Term Disability Insurance 

  • Carrier: The Hartford
  • Replacement income up to 60% of weekly income.
  • Goes into effect on the 15th day of non-occupational disability, sickness or injury payable up to 13 weeks.
  • Rates based on age 


Supplemental Life Insurance

  • Carrier: Sun Life
  • Coverage Options: Employee, Spouse or Child Life
  • Employee or Spouse rates based on age; Child life benefit is a flat rate of $2.00/month